Terms and Conditions

These terms and conditions reveal the terms of use of  our website.  It is prohibited to use any of the intellectual property on our website. This includes product descriptions, photos and branding concepts. The name Discretionary Income is trademarked.   Using this name to drive traffic to a website through online advertising or using our trademarked name “Discretionary Income” is strictly prohibited.


Our custom made jewelry only requires 10% down. This deposit is charged to your credit card when you order.  The balance is due after the designer finishes your ring and when shipped. The jewelry  and rings are shipped from Aurum design. The full purchase price of the handbags and watches are deducted from your credit card as soon as they are order. They are shipped immediately. Watches and handbags are shipped from Discretionary Income.

We do not charge our clients for shipping and handling. Please allow 48 hours for processing and up to 7 days for delivery after you have placed your order for watches and handbags. Your designer jewelry will be shipped within 48 hours after the designer has finished your custom piece.

Presently, we are only accepting online orders from the United States and Canada. International customers please email us at our Contact page.


Items shipped from Discretionary Income  must be post marked within 5 business days from the date the merchandise was received.

The item(s) you return must be presented in salable condition with all original packaging and enclosures. Take care to return any certificates or appraisals that accompanied the item. We recommend shipping returned merchandise via insured parcel post for tracking purposes. We also recommend that customers request adequate insurance to cover the purchase price of the shipment. We will not assume responsibility for reimbursement or compensation in the event that return packages are lost, stolen, or mishandled. We cannot accept returns that have been worn, used, altered or damaged. We reserve the right to refuse return of any merchandise that does not meet the above return requirements. We want you to be satisfied so we will do everything possible to accommodate your request.

All returned Items shipped directly from Discretionary Income  will have a 5% restocking fee. Credit card processing fees will also be applied. This credit card and restocking will be deducted from your  refund.


When the purchase price of your exquisite piece (s) of architectural jewelry from Aurum Design exceeds $5,000.00 we will issue up to a $200.00 travel reimbursement to come to the store and pick up your custom made Jewelry. This does not apply to watches or handbags.

The travel reimbursement credit up to 200.00 requires a reimbursement form and a copy of your travel receipts. Reimbursement credit is only issued for patrons that are traveling over 100 miles to meet with Daren Bradley at Aurum Design. The reimbursement is disbursed twenty business days after the date you receive your custom ring. If the purchase is not completed for any reason the 200.00 travel reimbursement will not be credited.

Please download the travel reimbursement form here: Download PDF


We do not charge our clients for shipping and handling. Please allow 48 hours for processing and 7 days for delivery of the watches and handbags.  Jewelry is a custom made creation. When finished the item will be shipped within 48 hours after completion. Custom jewelry will be shipped directly from Aurum Jewelers in Rochester Hills, Michigan.  It is very important to note that a signature will be required for our luxury watches and custom jewelry. Insurance will be purchased on the watches and jewelry before shipment. Handbags may or may not be insured. These are high end items and we want to make sure they are safe and in right hands. We will email you the tracking number of your parcel once it has been dispatched. Please make sure that you or someone you trust is available to sign for the package upon delivery.

International Shipping: We are unable to process online orders outside of the United States and Canada at this time; however, we are constantly striving to meet our client’s needs and we do hope to be able to offer this option soon. If you live elsewhere and would like to order please email our office to make special arrangements could be made.


When creating an account your email will be entered into our database and we will only use it to send our Discretionary Income transactional and promotional emails and newsletter. If you have decided that you no longer wish to receive email from Discretionary Income, you can click on the unsubscribe link at the bottom of any email communication sent by us. Please allow us 15 business days from when the request was received to complete the removal, as some of our promotions may already have been in process before you submitted your request. Note that you’ll still receive transactional emails when ordering products from our store.

Discretionary Income | Rochester, MI 48306 | 248-377-9309